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Small and medium-sized enterprises (SMEs)

Consultation on Mutual Societies; results of a study on the current situation and prospects of mutual societies in Europe

Policy field(s)

Promotion of Social Economy Entrepreneurship

Target groups

All public administrations, citizens and organisations are welcome to contribute to this consultation. Contributions are particularly sought from Governments (responsible Ministries, supervisory authorities), mutual type organizations, legal profession associations  and individuals who are members of mutuals.

Period of consultation

From 11/03/2013 to 14/06/2013

Objective of the consultation

Mutual societies provide services supplementary to statutory social security systems, or services of social nature, or insurance services covering all types of life and non-life (re-) insurance, or services in fields such as credit for housing etc. In some Member States they are not allowed to operate nor to conduct some activities, and have limited possibilities to form horizontal cross-border groups. The study contains details on characteristics, legal frameworks, corporate governance, and economic importance, as well on barriers that these enterprises face in Europe, when they wish to engage in activities across borders or to create groups. It ends with recommendations on how these obstacles could be removed. The Commission is seeking views on how this type of enterprises can be promoted and more specifically on the need and possible advantages of a proposal for a Regulation establishing the legal statute for European Mutual Society.

How to submit your contribution

You are invited to respond to the questionnaire hereunder in any official EU language.

Please send your reply to . We welcome contributions from citizens, organisations and public authorities. Received contributions will be published on the Internet.

Given the possible delays in translating comments submitted in certain languages, translations of the replies into one of the Commission's working languages (preferably English) would be welcome to enable the Commission to process them more swiftly.

It is important to read the specific privacy statement attached to this consultation (see below) for information on how your personal data and contribution will be dealt with.

In the interests of transparency, organisations (including, for example, NGOs, trade associations and commercial enterprises) are invited to provide the public with relevant information about themselves by registering in the Interest Representative Register and subscribing to its Code of Conduct.
  • If you are a Registered organisation, please indicate the name and address of your organisation and your Register ID number on the first page of your contribution. Your contribution will then be considered as representing the views of your organisation.
    If your organisation is not registered, you have the opportunity to Register now.

The Commission asks organisations who wish to submit comments in the context of public consultations to provide the Commission and the public at large with information about whom and what they represent. If an organisation decides not to provide this information, it is the Commission's stated policy to list the contribution as part of the individual contributions. (Consultation Standards, see COM (2002) 704, and Communication on ETI Follow-up, see COM (2007) 127 of 21/03/2007)

View the questionnaire

Contact details

responsible serviceDG Enterprise and Industry, Unit D/1, "Entrepreneurship 2020"
postal addressRue de la Loi 200, Brussels B-1049

Number of responses received to this consultation


View the contributions


Results of consultation and next steps

Aggregate information on responses will be made public after closure of the consultation.

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